Welcome to RCFDirect - We provide access to a wide variety of supplemental and pension shortfall funding solutions. RCFestablished the first Retirement Compensation Arrangement (RCA), and developed the first tax-sheltered funding product for RCAs. Since then, we have been providing supplemental and pension shortfall funding solutions for business owners and key executives across Canada. Specialized funding concepts underwritten by major insurers and RCA Trust Services provided by BMO Trust Company.